Kay Gregory | executive |
J. Kemper | executive |
Ram Shankar | executive |
Nathan Race | analyst |
Thomas Terry | executive |
Christopher McGratty | analyst |
Timur Braziler | analyst |
Hello, and welcome to today's UMB Financial Third Quarter 2023 Financial Results Conference Call. My name is Elliot, and I'll be coordinating your call today. [Operator Instructions] I would now like to hand over to Kay Gregory, Investor Relations. The floor is yours. Please go ahead.